Sault Ste. Marie Car Insurance

Your Complete Guide to Sault Ste. Marie, MI Car Insurance

Sault Ste. Marie sits on the US-Canadian border. Several major highways, including US I-75, terminate at their northernmost point in Sault Ste. Marie. From fender benders on local roads to major collisions on I-75 or M-129, car accidents can happen to anyone in Sault Ste. Marie. Even the most careful drivers are at risk. But with a reliable car insurance policy, you can have peace of mind. Car insurance protects you from the costs of auto accidents that you cause. And certain policy options can also protect you if your car is damaged by falling objects, theft, or vandalism. Car insurance can sometimes be confusing, but a local independent insurance agent can help you find the best policy for your needs and budget. 

Michigan Car Insurance Requirements

If you own a vehicle in Michigan, you are required to purchase auto insurance. Each state has certain minimum requirements for auto insurance. In Michigan, you must have the following coverage in order to comply with the law: 

  • Bodily injury liability: Required
  • Property damage liability: Required
  • Personal injury protection (PIP): Required
  • Uninsured motorist coverage: Not required
  • Minimum liability limits: 20/40/10; coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual; and $10,000 coverage for property damage

While this may seem like great coverage, a minimum-coverage policy may leave you seriously underinsured. If you cause a major collision, you will have to pay out of pocket for all of the expenses that exceed your coverage limits. These expenses can include medical bills for other drivers and passengers, vehicle repair costs, and even attorney fees and settlements or judgments levied against you if you are sued for negligence. 

That is why many Sault Ste. Marie drivers purchase liability coverage limits that are higher than the state requirements. If you want even more liability protection, you can purchase umbrella insurance, which offers protection beyond the limits of your auto insurance policy. An independent agent can help determine how much liability coverage is necessary to adequately protect you and your family. 

How Much Does Car Insurance Cost in Sault Ste. Marie, MI?

Michigan is the most expensive state for car insurance, but rates in Sault Ste. Marie are a little lower than the state average. Shopping around for the best rate and taking advantage of discounts can help you save. 

  • National average annual car insurance cost: $1,311
  • Michigan average annual car insurance cost: $2,476
  • Sault Ste. Marie average annual car insurance cost: $1,856

Every insurance company charges somewhat different rates, and you definitely won’t pay the same as your neighbor. Car insurance rates are based on a number of factors that help the insurance company determine how likely you are to file a claim. Insurance companies evaluate the year, make, and model of your car, as well as personal characteristics about you, like your age, gender, and marital status. Other factors play a role, too, such as:

  • Your credit score
  • The deductibles and coverage limits that you choose
  • Whether you own or rent your home
  • The auto theft rates in your city or ZIP code

Independent agents in Sault Ste. Marie make comparison shopping easy. An independent agent can obtain quotes from multiple insurance carriers, so you can compare costs and coverage and make the best choice for your needs.  

Number of Uninsured Motorists in Michigan

Driving without insurance is against the law in Michigan, yet many drivers continue to drive without coverage. Michigan has the 4th highest percentage of uninsured drivers in the US.

  • How many US drivers are uninsured? 12.6%.
  • How many Michigan drivers are uninsured? 20.3%.

Uninsured driving is a serious problem in Michigan. Every driver is in financial peril every time they are out on the road. Uninsured motorist coverage is one of the few ways that you can protect yourself. It provides immediate reimbursement for your vehicle damage and medical expenses if you are in an accident that is caused by an uninsured, underinsured, or hit-and-run driver. Your insurance company will attempt to collect the funds from the at-fault driver—a time-consuming and often unsuccessful process. If they cannot collect, the insurance company absorbs the costs, instead of you. 

Number of Car Thefts in Michigan

The auto theft rate across the state of Michigan is lower than the national average. In Sault Ste. Marie, your chances of experiencing vehicle theft are quite low. 

  • National auto theft rate per 1,000 vehicles: 2.94
  • Michigan auto theft rate per 1,000 vehicles: 2.03
  • Sault Ste. Marie auto theft rate per 1,000 vehicles: 0.66

While your city is very safe, you cannot ignore the threat of car theft. While you should always lock your car and park in safe, well-lit places, you may still be a victim no matter how careful you are. If your car is stolen or vandalized, your comprehensive coverage will reimburse you for your lost or damaged car. It also helps you pay if falling objects, floods, structure fires, or other hazards cause damage to your car. If you have a car loan, you’ll probably be required to purchase comprehensive coverage until your loan is paid in full. Talk to a local independent agent about comprehensive coverage, and how it can help you in a variety of unfortunate situations. 

Why Contact an Independent Insurance Agent?

Independent insurance agents are insurance professionals who can explain your coverage options, answer your questions, and provide you with customized car insurance quotes from multiple insurance companies. With the help of an independent agent, you can make an informed choice. 

Start your search by contacting an independent agent in Sault Ste. Marie.

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